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Presentation in the Banking sector
Subject:-Business Aspects In Banking and Insurance
The bank we have
chosen is :-
Stewart •11b940 Sorab
h •11b942
Kaveshna •11b94
4
Arif •11b953
Smit
•10b92
2
Chaitali •11b932
Bha
vesh
•11b90
8
Vikas •11b916
Monit
•11b906
Group member
s
S.Y.BMS-C
Overview of our project
Introduction
To BankingTo HDFC
Wide Range of Services
Retail BankingWholesale BankingTreasury
HDFC In Detail
Achievements Capital StructureApproach Distribution Network
What is a bank?
A bank is a financial institution whose primary activity is to act as a payment agent for customers and to borrow and lend money.
Banks are important players in financial markets and offer financial services such as investment funds.
In some countries such as GERMANY, banks are the primary owners of industrial corporations .
While in other countries such as the UNITED STATES banks are prohibited from owning non-financial companies.
History of
banking in India
Introduction HDFC Bank began operations in 1995 with a simple
mission : to be a “ World Class Indian Bank.”
Their business philosophy is based on four core values - Customer Focus, Operational Excellence, Product Leadership and People.
They believe that the ultimate identity and success of their bank will reside in the exceptional quality of their people and their extraordinary efforts.
For this reason, they are committed to hiring, developing, motivating and retaining the best people in the industry.
Mr. Aditya Puri
BOARD OF DIRECTORS
Mr. Aditya Puri, Managing director
Mr. Jagdish Kapoor , Chairman
Mr. Harish Engineer, Executive directors
Keki Mistry, Managing Director
Mr. A Rajan, Country Head-Operations
Mr. Rahul Bhagat, Vice president
Incorpo-rated in 1994
First compan
y to
receive an ‘In
Principle'
approval from
RBI
Started in 1995
Times Bank Lt
d merged in 2000
with HDFC
In 2008 HDFC Bank
acquired Centu
rion Bank of Punjab
History
MISSION :
“World Class Indian Bank”.
OBJECTIVE :
Maintain Ethical Standards, Professional Integrity & Cooperate Governance.
Capital Structure and
Shareholding Pattern
The authorized capital of HDFC Bank is Rs550 crore( Rs 5.5bn) Paid-up capital is Rs 424.6 crore (Rs 4.2 bn).
The HDFC Group holds 19.4% of the bank's equity.
28% of the equity is held by FIIs.
11.86% is held by the General Public.
The Bank has about 570,000 shareholders.
The shares are listed on the BSE & NSE.
The bank's American Depository Shares are listed on the New York Stock Exchange (NYSE) under the symbol ‘HDB’.
13
Camel’s Approach
Camel’s Approach
It is a method for evaluating bank performance and healthy position of the bank since it considers all areas of banking operations.
Camel Means C = “Capital Adequacy Ratio” A= “Asset quality” M= “Management quality” E= “Earnings quality” L= “Liquidity”
Wide Range of
Services
RETAIL BANKING
Wholesale Banking
Treasury
Loan
Depository products
POS Terminals
Cards Mutual Fund Sales
Insurance Sales
NRI Services
RETAIL BANKING
Commercial Banking
Transactional Banking
Large corporate
Supply Chain
Financial Institution
Government
Wholesale Banking
Foreign Exchange
Asset Liability Management
Debt Securities
Statutory Reserve Management
Derivatives
Equity
Treasury
Distribution network
2,544 branches and 8,913 ATMs in 1,3991,986 branches and 5,471 ATMs in 996 cities
As on March 31, 2012
As on March 31,2011
Net profit: 5,167 crore. An
increase of 31.6% compared to the
previous year Balance sheet size: 337,909
crore as at 31st March 2012
Total deposits: 246,706 crore. An increase of 18.3% compared to the
previous year
Total advances: 195,420 crore. An increase of 22.2% compared to the
previous year
Capital Adequacy Ratio: 16.5%.
Regulatory minimum
requirement is 9%
Tier I capital ratio: 11.6%
Non Performing Assets: 1,999 crore (gross); 1.0% of Gross
Advances
Highlights
Strength
Weakness
Opportunities
Threats SWOT
Bebi’s Jari making enterprise grows
Plantain farming thrives in Kerala
A flower seller expands her business
Bag makers achieve success
Flora’s business prospers
Sustainable Livelihood Banking
Achievements…….
Dun & Bradstreet Banking Awards 2012
IDRBT Banking Technology Excellence
Awards 2011-12
Asia Money 2012
India's Top 500 Companies -Dun &
Bradstreet Corporate Awards
Finance Asia
UTI Mutual Fund CNBC TV 18 Financial Advisor
Awards 2011
Asian Banker International Excellence
in Retail Financial Services Awards 2012
5th Loyalty Summit award
Skoch foundation 2012
ICAI Awards 2011
2012
2011
Outlook Money Best Bank Award 2011
Best Commercial Vehicle Financier
Businessworld Best Bank award
BCI Continuity & Resilience Award
Financial Express Best Bank Survey
2010-11
ISACA 2011 award for IT Governance
IBA Productivity Excellence Awards
2011DSCI Excellence
Awards 2011Euromoney Awards for Excellence 2011
FINANCE ASIA Country Awards
2011: India
Asian Banker
Bloomberg UTV's Financial Leadership
Awards 2011
IBA Banking Technology Awards
2010
IDC FIIA Awards 2011
CNBC TV18's Best Bank & Financial
Institution Awards
Dun & Bradstreet Banking Awards 2011
Bibliography
The information has been taken from the following sites: www.wikipedia.org
www.hdfcbank.com
Hdfc bank Dadar branch
Thank You…….